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Hello.
I have not posted here before but I need some assistance please.
I am seeking a policy on myself for Emergency - Hospitalization only.
I don't know what type of plan this is called but I need and want something - should I need to go to the hospital for anything major and / or minor and have to stay overnight, I want to be covered.
Also, is there a policy for ER outpatient and hospital outpatient coupled with inpatient hosptialization or are these 2 seperate policies?
I also seek a reputable company THAT WILL PAY CLAIMS in a timely fashion and is noted as such - where I nor the billing department of the hospital will have to fight with them to pay the bill/s and or claims.
Last, after talking with an agent, I was told if I take a policy with a high deductible, my monthly premiums will be lower.
Is that true? Do any of you advocate such a plan design?
I do not have much experience with health insurance other than Medicare, so your expertise is VALUED SUBSTANTIALLY.
I considerably thank you for your time.
I have not posted here before but I need some assistance please.
I am seeking a policy on myself for Emergency - Hospitalization only.
I don't know what type of plan this is called but I need and want something - should I need to go to the hospital for anything major and / or minor and have to stay overnight, I want to be covered.
Also, is there a policy for ER outpatient and hospital outpatient coupled with inpatient hosptialization or are these 2 seperate policies?
I also seek a reputable company THAT WILL PAY CLAIMS in a timely fashion and is noted as such - where I nor the billing department of the hospital will have to fight with them to pay the bill/s and or claims.
Last, after talking with an agent, I was told if I take a policy with a high deductible, my monthly premiums will be lower.
Is that true? Do any of you advocate such a plan design?
I do not have much experience with health insurance other than Medicare, so your expertise is VALUED SUBSTANTIALLY.
I considerably thank you for your time.